	      Category	    

Tax, Legal & TRESA

税法与监管：HST、土地转让税、律师费、BRA、TRESA、RECO。 HST, Land Transfer Tax, lawyer fees, BRA, TRESA reform, RECO rules.

买家 · Buyer 细分Buyer subtopics 工具与知识库Buyer Toolkit & Reference 交割与条件Closing & Conditions 公寓专题Condo Buyer Guide 首次 · 新移民 · 投资First-Time, Newcomer & Investing 出价策略Offer Strategy 税法与监管Tax, Legal & TRESA 看房与验房Viewing & Inspection

	      Tax, Legal & TRESA	    

Four Programs, Four Different “First-Time Buyer” Tests: FHSA, HBP, the LTT Rebate, and the GST New Housing Rebate

FHSA, HBP, Ontario’s land transfer tax refund, and the GST New Housing Rebate each define a first-time home buyer differently: FHSA and HBP use a four-year window, Ontario’s refund is lifetime and worldwide, and the GST rebate ignores first-time status entirely — it looks at whether the home is your new primary residence. The same buyer can qualify for some and not others.

	      Aug 2, 2026	    

	      Tax, Legal & TRESA	    

「首次购房者」的四种定义：FHSA、HBP、土地转让税退税、GST 新房退税为什么各判各的

FHSA、HBP、安省土地转让税退税、GST 新房退税——四个项目对「首次购房者」各有各的定义：FHSA/HBP 看本年及前四个自然年，安省退税看全球终身是否拥有过，而 GST 新房退税根本不看首次身份、只看是否自住新房。同一个人可能符合两三项、却不符合另一项。四个口径一次讲清。

	      Aug 2, 2026	    

	      Tax, Legal & TRESA	    

Terminating a Buyer Representation Agreement in Ontario: What TRESA Actually Lets You Walk Away From

Signed a buyer representation agreement and want out? According to RECO, under TRESA the agreement is with the brokerage, the expiry date must appear on page one, and it does not auto-renew. Here is how termination really works: letting it lapse, a mutual cancellation (Form 301), why the holdover clause still bites after you leave, and escalating from the broker of record to a RECO complaint.

	      Aug 2, 2026	    

	      Tax, Legal & TRESA	    

TRESA 下买方代理协议想提前退出？合法解除与 holdover 佣金保护条款讲清楚

签了买方代理协议（BRA）想提前退出怎么办？According to RECO，TRESA 下代理协议是你和 brokerage 之间的合同、到期日必须印在第一页且不自动续约。本文讲清自动到期、双方签解除协议（Form 301）、holdover 条款解除后仍生效、经纪不放人时从 brokerage 投诉到 RECO 的路径，以及换经纪与换 brokerage 的区别。

	      Aug 2, 2026	    

	      Tax, Legal & TRESA	    

Development Charge Exemptions for Ontario ADUs Under Bill 23: What “Free” Actually Means for a Second or Third Unit

Bill 23 amended Ontario’s Development Charges Act so a second or third residential unit in a detached, semi or rowhouse can be development-charge-free (with conditions), with parkland and CBC waived too. But water/sewer connection charges and building permit fees still apply, the fourth unit depends on your municipal by-law, and pre-exemption payments generally are not refunded.

	      Aug 1, 2026	    

	      Tax, Legal & TRESA	    

安省 Bill 23 附属住宅单元（ADU）的开发费豁免：第二、第三个单元到底能不能完全免掉 development charge

安省 Bill 23 修订 Development Charges Act，独立/半独立/联排屋加建第二、第三个居住单元可免开发费（附条件），parkland 与 CBC 一并豁免。但水电接驳费、building permit 费仍按其他名目收；第四单元起要看市政 bylaw；已缴费退不退看许可签发时点。

	      Aug 1, 2026	    

	      Tax, Legal & TRESA	    

The Property Tax and Rent Part of the Ontario Trillium Benefit (OEPTC): Who Qualifies and How Much

The OEPTC — the property tax and rent part of the Ontario Trillium Benefit — is claimable by both renters and homeowners. For the 2026 benefit year the maximum is about $1,307 (about $1,488 if you are 65+). Here is who qualifies, how 20% of your rent counts, how to claim it on the ON-BEN form, and the mistakes that cost people money.

	      Aug 1, 2026	    

	      Tax, Legal & TRESA	    

安省 Trillium 里的「房产税／房租补助」（OEPTC）：业主和租客都能领，怎么算、怎么申请

安省 Trillium 福利里的 OEPTC（房产税/房租补助）业主和租客都能领。2026 福利年最高约 $1,307（65 岁以上约 $1,488）。看谁符合资格、房租怎么按 20% 折算、如何随报税填 ON-BEN 申请，以及最常见的漏领误区。

	      Aug 1, 2026	    